There are two funds of the same type, Fund A and Fund B. The net value of the two funds has also increased from 1 yuan to 1.5 yuan, in which the trend of Fund A is relatively stable and the fluctuation of Fund B is greater. When the net value is 1 yuan, we start to make fixed investment in two funds.
The results show that the return rate of fund A is lower than that of fund B when the initial net value of the fund is the same as the final net value. Therefore, it can be explained that the fund with higher fund volatility has higher return on fixed investment.
Because of its high volatility, Fund B buys more shares when its net share value is low, and the extra rate of return comes from this extra share.
It should be noted that the above data model was established under the condition of high quality and good performance of fixed investment funds. If a fund has poor performance, it rises less than others when the market is good and falls more than others when the market is bad, then such a fund will not make money.
The fund's volatility is a factor that affects the fund's fixed investment income, but it is not particularly important. It is a trick in the process of fixed investment. When there are the same funds to choose from, we can choose a fund with higher volatility instead of deliberately looking for a fund with higher volatility to make a fixed investment. The most important thing is long-term persistence, discipline and patience. This is the core element. Volatile funds test investors' mentality. If the net value of the fund falls sharply,
Sticking to investment discipline, keeping a good attitude and waiting for the rose of time with enough patience are the keys to the success of fixed investment.